The world of today is vastly different from the one that existed in, say, 1974. Innovations such as the Internet, smartphones, tablets, Facebook, Twitter and so on have made our lives more enjoyable, efficient and productive in many ways, and have vastly improved our access to the world's knowledge. Yet when it comes to one important area of our lives — investing for the future — many of us may actually face more challenges today than we might have in the past. At least two main factors are ...